4 Interest-Only Loan Secrets Revealed!

Darren Meade
Stop! Don't Buy or Sell a Home Until You Read This!

As of late, more and more people are opting for “interest-only loans”. But they are actually only appropriate for a small group of borrowers. And in some cases, they can be the equivalent of “financial death”. Is an interest–only loan right for you?

Here is what you will learn in this report:

What is an interest-only mortgage?

How to know if you are a candidate for an interest-only loan

Common Interest-Only Loan Myths

How to determine if you qualify for an interest-only loan

What is an interest-only mortgage?

An interest-only mortgage is a special type of mortgage loan which allows you the option of only making payments on the interest each month. If you have an interest-only loan, you are not required to pay principal and interest every month, as you are with a traditional mortgage loan.You have the right to choose to only pay interest. Usually, the option to pay interest-only lasts for a specified period, usually 5 to 10 years.

WARNING: If you choose to pay only interest every month, you will never pay down your loan balance and your original loan amount will remain unpaid. (Example - if you obtain a $125,000 mortgage loan and pay only interest and no principal for the first 10 years, your loan balance will still be $125,000 at the end of year 10.)

How to Determine if an Interest-Only Loan is Right for YouThe first question you need to ask yourself is this: “Am I disciplined enough to pay into a quality investment when I’m not required to?” If the answer is no, an interest only loan may not be right for you.

Many borrowers opt for an interest only loan to be able to afford a home they would not otherwise be able to afford with a traditional mortgage. We advise against this practice. Only purchase a home if you can afford to pay a full interest and principal payment every month. The consequences of purchasing more home than you can afford can be serious.An interest-only loan may be right for you if you have a fluctuating income and need the flexibility of paying interest-only when you are strapped for cash. Consultants and other professionals love interest-only loans for this reason.


Additionally, an interest-only loan is great for people who want to invest the money that would have otherwise been paid toward principal into a higher-yielding investment. For this to succeed, your return on investment must exceed the mortgage interest rate on your interest-only loan.

Common Interest-Only Loan Myths

Myth #1 – Interest only loans don’t require mortgage insuranceInterest-only loans having a down payment of 20% or less require mortgage insurance in many cases. Some interest only loans are insured by the lender as opposed to a traditional mortgage insurance company. This means that you will pay for the insurance, but it will come in the form of a slightly higher interest rate. Make sure you ask the lender if, and how, your loan is being insured...

Myth #2 – Interest-Only Loans amortize faster than regular loansclick here Interest-only loans amortize no faster than a traditional loan. As a matter of fact, while they are still in their “Interest-only” stage, an Interest-Only loan doesn’t even amortize at all! There is no magic connected to amortizing an interest-only loan.

Do YOU qualify for an Interest-Only Loan?

Did you know that most people can easily qualify for an interest-only mortgage loan? Although the interest-only option is not available to everyone, it is unlikely you will be turned down for a mortgage altogether. Remember, mortgage lenders are in the business of saying YES. We don’t make money unless we say YES. Let us say YES to you today by filling out our FREE, 24 Hr Secure Online Approval Form.

It’s fast, easy and 100% secure. We will promptly let you know if you qualify for an interest-only loan. We’ll also be happy to help you decide if an interest-only loan is right for you.

P.S. – Don’t forget that we are in the business of saying YES. We can’t wait to shake your hand and tell you “Congratulations, You’re Approved!”
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Darren Meade

To share with you a brief history, I was homeless as a teenager for two-and-half years where I lived in the streets begging for food and change. As you can imagine, my life was filled with a great deal of uncertainty.

By divine grace and guidance, I took shelter in the parking lot of a gym. The owner of the gym noticed me camping out there and after several weeks took me in. Pretty soon I had been adopted by the group of bodybuilders there and was given the nickname 'Pup'.

However, it was after the very painful experience of my father committing suicide six months after getting off the street that I began my personal journey into spiritual growth and began questioning how I could affect a greater number people in a more loving, profound and personal way.

Over the course of several years I went from being homeless to living in a condo on a golf course and representing the United States in international events culminating in winning the middleweight title of the IFBB Mr. North America bodybuilding competition. At the same time I co-founded a nutritional which exploded in the nutrition market and by age 27 I made my first million. Being young, I then squandered my first 3 million to turn around and build it again and again...slow learner at times!

Many of my lessons learned through out my spiritual path have been in the face of adversity. While "crisis" has often had its own way of waking me to the moment and reminding me of what is important to me now, it is not a requirement of this journey.

Just when I thought I had a handle on life, the handle broke.

I've learned another new lesson about life; including truly releasing and forgiving those whom hurt you. In April 2008 my aorta (main artery from your heart) ruptured in three (3) places.

I was given less than a 10% chance of survival and I was on life-support for 3 weeks. During this time the charge nurse spoke to a family friend and informed them they were going to amputate my leg, and that I was to young to die and they needed to transfer me to a new hospital (UCLA).

While I lived, my personal relationship ended within 10 days of my being discharged from the hospital. To be fair the doctors said I might never walk again, and that they believed I would be on a catheter for the rest of my life. I lost 50lbs of muscle. So she was leaving someone who might never be able to walk; make love or be able to return to work. However I've always been an over-achiever.

For instance I went off diaylisis, my bladder which had nerve damage returned to normal, the catheters out and I the leg another hospital wanted to amputate is responding and I'm learning to walk on it once again. I no longer use my wheel chair and am learning to walk without crutches.

The only suffering came from my own thoughts, believing this person would be with me to over-come these issues. I now realize that was the largest blessing of all.

EXECUTIVE BIOGRAPHY OF DARREN M. MEADE


Darren Meade, of Kairos-Meade, has a life, which exhibits the quintessential triumphant story. He was abandoned by his parents and homeless at the age of 14, weighing less than 100 pounds and today negotiates multi-million dollar agreements.

His business career developed initially from his passion for body building. As a youth, after being homeless for two-years, he was taken in by individuals who allowed him to utilize their company gym. Darren focused that passion and successfully won several awards in competitive body building, culminating in winning the Mr. North America title for the middleweight division and represented the United States in international events. His extensive exposure in competitive body building assisted in developing relationships with industry leaders in the medical device and nutritional supplement industries.

As Darren rapidly progressed in
professional endeavors, he designed a new business model not yet used in the industry for a then unknown nutritional company. The retail experiment led by Darren worked, and within two years he drove sales from $1 million to in excess of $40 million.

Moving forward to his next success, Darren proved that he could do it again and took another company to $35 million in a single year. He diligently oversaw all facets of assisting an international research organization´s quest to gain acceptance in the U.S. biotechnology sector by partnering with one of the world´s largest biotechnology companies within only five-months. This was accomplished after the organization had tried for years and used over 50 consultants and development personnel without results.

A key to Darren´s success is his passion for each new business he enters. He specializes in building profitable long-term relationships with clients, vendors and staff.
He has proven that success is contagious.

In addition to his business accomplishments, Darren has actively participated through service of time and finances to homeless shelters and civic community organizations. He is a Deputy CEO of the Invisible Youth Foundation. Darren recently volunteered on Arnold Schwarzenegger´s successful run for Governor. Due to his efforts, he was offered a position in Sacramento. He was selected by the Orange County Register to write columns regarding the process of the campaign through to the inauguration and planning for policies.